The following interest rates apply since May 10, 2023

Checking account (for enterprises) with cheque book

AMOUNT (EUROS) INTEREST RATE (%)
0,02

Checking account (for individuals)

AMOUNT (EUROS) INTEREST RATE (%)
0,05

Checking/Payroll account

AMOUNT (EUROS) INTEREST RATE (%)
Up to €5.000 0,25

 

Rural Account (subsided by OPEKEPE**)

AMOUNT (EUROS) INTEREST RATE (%)
According to the Tiered-Rate Account scale

 

** Payment and Control Agency for Guidance and Guarantee Community Aid

Tiered Savings Account

AMOUNT (EUROs) INTEREST RATE (%)
0,01 – 50.000,00 0,05
50.000,01 – 100.000,00 0,10
100.000,01 – 500.000,00 0,15
500.000,01 – 1.000.000,00 0,20
> 1.000.000,00 0,25

 

 

NOTES

  • The interest rate of the respective scale applies to the amount of savings.
  • Interest rates are calculated at an annual 360-day calendar basis.
The following interest rates apply since December 19, 2024

Time deposits

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
30 90 180 365
5.000,00 – 25.000,00 0,25 0,30 0,40 0,80
25.000,01 – 50.000,00 0,30 0,35 0,45 1,00
50.000,01 – 100.000,00 0,35 0,40 0,55 1,55
100.000,01- 250.000,00 0,40 0,45 0,65 1,85
250.000,01 – 500.000,00 0,43 0,48 0,65 1,85
> 500.000,00 0,45 0,50 0,65 1,85

Monthly Income

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
90 180 365
5.000,00- 25.000,00 0,24 0,32 0,70
25.000,01 – 50.000,00 0,30 0,38 0,80
50.000,01 – 100.000,00 0,35 0,48 1,30
100.000,01- 250.000,00 0,38 0,60 1,45
250.000,01 – 500.000,00 0,41 0,60 1,45
> 500.000,00 0,46 0,60 1,45

 

Exarhis

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
90 180 365
5.000,00 – 25.000,00 0,20 0,30 0,70
25.000,01 – 50.000,00 0,25 0,35 0,90
50.000,01 – 100.000,00 0,30 0,45 1,45
100.000,01- 250.000,00 0,35 0,55 1,75
250.000,01 – 500.000,00 0,38 0,55 1,75
> 500.000,00 0,40 0,55 1,75

 

Premium Time Deposits

Premium 12

Deposit Duration : 1 year

Minimum deposit amount: 150.000€

TRIMESTER INTEREST RATE (%)
1st 1,75
2nd 1,75
3d 1,75
4th  1,75
Average Yearly Interest Rate 1,75

 

The following interest rates apply since May 10, 2023

Online Time Deposit

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION ( IN DAYS )
30 90 180 365
5.000,00 – 25.000,00 0,30 0,35 0,45 0,85
25.000,01 – 50.000,00 0,35 0,40 0,50 1,05
50.000,01 – 100.000,00 0,40 0,45 0,60 1,60
100.000,01- 200.000,00  0,45 0,50 0,70 1,90

Monthly Income Online

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
90 180 365
5.000,00 – 25.000,00 0,29 0,37 0,75
25.000,01 – 50.000,00 0,35 0,43 0,85
50.000,01 – 100.000,00 0,40 0,53 1,35
100.000,01- 200.000,00 0,43 0,65 1,50

Exarhis Online

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
90 180 365
5.000,01 – 25.000,00 0,25 0,35 0,75
25.000,01 – 50.000,00 0,30 0,40 0,95
50.000,01 – 100.000,00 0,35 0,50 1,50
100.000,01- 200.000,00 0,40 0,60 1,80
The following interest rates apply since December 31, 2024

 

E.C.B. Interest rate: 3,15%

Lending rates (for individuals)

TYPE INTEREST RATE(%) Remarks
B.I.R. + spread  (%) +levy of L.128/75 (%)
Personal 11,90 up to 5,70 0,60 The customer’s interest rate is determined by their risk profile and credit behaviour
Personal with collateral 11,90 up to 3,00 0,60
Overdraft 11,90 up to 5,70 0,60
Payroll Overdraft 11,90 up to 2,50 0,60
VISA & MasterCard credit cards 17,45 for purchases & 18,45 for withdrawals 0,60
Investment 11,90 up to 1,30 0,60 The spread is determined by the customer’s creditworthiness, their transactional relationship with the Bank, the type of loan collateral and the financing rate of the property value, as estimated by the Bank

Lending rates (for enterprises)

TYPE INTEREST RATE(%) Remarks
B.I.R. + spread  (%) +levy of L.128/75 (%)
Open Revolving 11,90 up to 4,40 0,60 The spread is determined by the company’s credit rating, its’ transactional relationship with the Bank and the collateral provided
Working Capital 11,90 up to 3,80 0,60
Fixed Assets 11,90 up to 3,00 0,60
Commercial Mortgage 11,90 up to 1,30 0,60
EaSI 11,90 0,00 0,60 The final interest rate is determined by the company’s credit rating
EGF 11,90 0,00 0,60 The spread is determined by the company’s credit rating and the provided collateral
Products in cooperation with the Hellenic Development Bank (HDB)  In accordance with the terms of each cooperation agreement
Products in collaboration with the relevant ministries for programms

 

Housing Loans

TYPE INTEREST RATE(%) Remarks
Base Rate + spread  (%) +levy of L.128/75 (%)
Housing – Renovation Loan (EURIBOR) EURIBOR 3M 1,50 to 3,00 0,12 The spread is determined by the customer’s creditworthiness, their transactional relationship with the Bank, the type of loan collateral and the financing rate of the property value, as estimated by the Bank.

NOTES

Lending rates are floating and include, as a reference rate, the key interest rate of the main refinancing operations of the European Central Bank (ECB) (currently at 3,15%) and additionaly an interest rate surcharge (currently 8.75%) or the Euribor 3 months rate. In addition, each credit product has a  variable spread. Finally, the levy of Law 128/75 is added.

More specifically, the final interest rate is calculated as follows:

  • For loans with a reference rate based on the ECB’s main refinancing operations rate:

Final interest rate (%)= E.C.B. Base Interest Rate(%)  + Interest Rate Surcharge(%) + Product Spread(%) + Levy of L. 128/75 (%)

  • For loans with a reference rate based on the 3M Euribor:

Final interest rate (%)=  Euribor 3 months  Rate(%)  +  Product Spread(%) + Levy of L. 128/75 (%)

 

Consumer and housing loan interest rates are reported on a 365-day calendar basis (other categories 360 days).

The default interest rate is set at 2,5% higher than the applicable gross interest rate.